ABA Routing Number Validator
Paste a US ABA routing number to check whether its 9-digit format and checksum are valid. Validation runs entirely in your browser, with a checksum breakdown and Federal Reserve district.
How to validate a routing number
- Type or paste a 9-digit routing number into the box.
- Read the valid or invalid badge that updates as you type.
- When valid, review the ABA checksum total and the Federal Reserve district.
Examples
A valid routing number (JPMorgan Chase, New York)
021000021
valid: true, checksum: 30, district: Federal Reserve Bank (district 2)
A number that fails the checksum
021000022
valid: false, checksum: 31
Frequently asked questions
What is an ABA routing number?
An ABA routing transit number is a 9-digit code that identifies a US bank or credit union for payments such as cheques, ACH transfers and direct deposit. The first two digits are the Federal Reserve routing symbol.
What is the ABA checksum and how does it work?
The last digit is a check digit. Multiply the nine digits by repeating weights 3, 7 and 1, then add the products: 3*(d1+d4+d7) + 7*(d2+d5+d8) + 1*(d3+d6+d9). The number passes when that total is divisible by 10.
Does a valid checksum mean the bank account is real?
No. The checksum only proves the number is well-formed. It does not confirm that the routing number is currently assigned to an active institution or that any account behind it exists. Always verify with your bank.
What does the Federal Reserve district tell me?
The first two digits map to a routing symbol range: 01-12 are the twelve Federal Reserve Banks, 21-32 cover thrift institutions, 61-72 cover electronic (ACH) transactions and 80 is for traveler's cheques. This tool labels that range when it is recognized.
Why does my routing number fail validation?
The most common reasons are a typo, the wrong number of digits, or copying spaces and dashes. A routing number must be exactly 9 digits with no separators. Remove any spaces or hyphens and try again.
Is my routing number sent anywhere?
No. All validation happens locally in your browser, so the routing number you enter never leaves your device and is not stored or logged.
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